The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,377
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,700
−HK$328/mo
Today · 4.125%
HK$11,028
baseline
▲ 0.50% · 4.625%
HK$11,699
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,056/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,544
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,854
−HK$314/mo
Today · 4.125%
HK$12,168
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,336/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,840
−HK$393/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,466/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,853
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$377/mo
Today · 4.125%
HK$14,602
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,204/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,528
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,980
−HK$459/mo
Today · 4.125%
HK$15,439
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$939/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,878/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,162
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,596
−HK$439/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,679
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$590/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$566/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,154/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,586 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).